Debt Free Direct Tour de Personal Finance, Stage 20 – Round 5, Posts 1-32

Without further ado, let’s continue on with the 20th Stage (there are only 4 blogs left the 2013 event) of the 2013 Tour de Personal Finance (to follow all of the action, click on the Tour de Personal Finance category link and scroll down to read all the posts involved in this subject).

We greatly appreciate Debt Free Direct for being the title partner of the 2013 event and for all their great support. If you’re interested in learning more about the help and advice Debt Free Direct offers to people in debt or their money-saving tips on how to prevent building up debtclick here.


A Quick Reminder On Prizes For The 2013 Competition

The 2013 edition of the Tour de PF will be doubly exciting because we have some very nice cash prizes to give away to the winner and also to charity to continue helping the community.

These will be as follows:

  • Yellow Jersey (1st Place) Winner of the 2013 Tour de Personal Finance will receive $100 cash via PayPal.
  • In addition, the Yellow Jersey Winner will also get to decide what charity they want me to donate $700 to in honor of their efforts/victory. 


To view the most up-to-date brackets of the competition, click the following link – 2013 Debt Free Direct Tour de PF Bracket

Going along with Tour de France cycling tradition, I’ve listed each competition within each stage as an “intermediate sprint” (one post versus another) along with the description provided by the blog author when the post was submitted.

Also, if applicable, I will give a brief description of the stage of the Tour de France that took place the same day as (or that has happened since the previous Stage of) the competition.


How to Vote

You can vote for the two articles (one from each intermediate sprint)  you’d like to see proceed in the Tour by commenting in the comments section below and telling which are your favorites. I’ve listed a keyword after each post title to make it easy to vote (as a made-up example, you can just comment: Sprint 1: Mutual; Sprint 2: 401k, etc.) 

Be sure to comment which one you like the best out of each set of two! Criteria for the best article is completely up to you, but you can use these factors as a guide: 1) post of your favorite blogger, 2) most interesting post, 3) most thought-provoking post, 4) most unique post, or 5) most actionable post. Here are today’s competitions:

Voting will continue until July 19th for this Stage!


Intermediate Sprint

  • My Husband is Now WORKING FROM HOME WITH ME!!! (Husband): It’s important to work out a plan before leaping into self-employment.  It’s even more important when that entrepreneurial spirit hits both of the income earners of the household.  But after running the numbers, looking at worst case scenarios, and mulling the idea over…it was time for us to put on our big girl panties and jump in.  tour de personal finance stage 17 round 4    Here’s the post about the excitement and fear when we officially put all of our financial eggs in one basket and happily skipped away into the unknown…


  • How My Retirement Plans Got Derailed – Big Time! (Derailed): I left my secure job at a major bank to open a small retail store with my husband.  We struggled along for three years, using up almost all our savings and making the terrible mistake of financing the business with our many credit cards. Eventually we gave up and closed the store.  With no money and over $100,000 in credit card debt, we sank to our lowest point of despair.


Tour de France Daily Recap

The Tour de France in real life continues today after a rest day yesterday with a medium-mountains Stage taking the riders 168 km from Vaison-la-Romaine to Gap. There shouldn’t be too many big changes today in the overall standings, but you never know these days now that most of the riders are clean of drugs! It makes the thing a little more unpredictable! haha 🙂

***Photo courtesy of


  1. Had a hard time choosing as both are really good. In the end I had to go with Husband.
    Christine @ ThePursuitofGreen recently posted…The Magic of PotlucksMy Profile

  2. derailed
    Justin recently posted…MMFBT003 – Rob Carrick: 1984 vs 2012My Profile

  3. Derailed
    Robb recently posted…Money Saving Tips From A Budget Savvy TravelerMy Profile

  4. Derailed
    Kevin@OutOfYourRut recently posted…Jobs for New College Graduates – You May Have to Make Your OwnMy Profile

  5. Husband

  6. ivy lane says:


  7. NinjaBearBonsai says:


  8. Husband

  9. CC Baker says:


  10. Jo Wilson says:

    Both well done but I have to vote for “husband”.

  11. Nich V. says:


  12. Beth Burbank says:


  13. I vote for Derailed
    Big Cajun Man recently posted…Keep Those Receipts for the CRAMy Profile

  14. @barrychoi says:


  15. Derailed

  16. Derailed.
    My Own Advisor recently posted…Change your financial tune for successMy Profile

  17. Rusty Shackleford says:


  18. Financial Uproar says:

    Financial Uproar recently posted…How About A Little Merger Arbitrage?My Profile

  19. Betty J says:


  20. Grandpa Tinka says:


  21. Husband
    Charlotte recently posted…Golfing with the GirlsMy Profile

  22. Husband

  23. Derailed!

  24. Derailed

  25. Donna Mitchell says:


  26. Derailed!
    Janine recently posted…Comment on So Over Airmiles & Aeroplan by JanineMy Profile

  27. Derailed

  28. Val Stemberger says:


  29. Derailed

  30. Husband
    Michelle recently posted…How to Set a Wedding Budget – Part 1My Profile

  31. husband

  32. Husband

  33. Derailed

  34. Derailed
    Ray @ Financial Highway recently posted…How to Analyze Your BudgetMy Profile

  35. Braydon says:


  36. Shauna Cain says:


  37. Derailed
    David writer recently posted…Why to NOT change insurance companiesMy Profile

  38. Hagrid McLennan says:

    Derailed !

  39. husband
    Dave recently posted…Top 5 Financial Issues To Address In 2013My Profile

  40. Andrew @ She Thinks I'm Cheap says:

    Derailed, for sure!
    Andrew @ She Thinks I’m Cheap recently posted…Wedding Season Is Here – Should You Consider Insurance?My Profile

  41. Danielle says:


  42. Husband

  43. Husband

  44. James Lin says:


  45. Laura S. says:


  46. Husband
    Both are really good

  47. Emily H. says:


  48. Husband
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  49. Jennifer Solak says:


  50. Voting for this Stage is now closed. The winner is Husband and will advance to the championship sprint, starting today! A big thanks to everyone for voting and participating! 🙂
    Jacob A Irwin recently posted…Reader Profile – Christine from The Pursuit of GreenMy Profile

  51. Derailed all the way, baby!
    LoonieLover recently posted…Dollar Cost AveragingMy Profile

  52. Michelle says:

    I vote for Husband

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